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INTRODUCTION AND PLATFORM OWNERSHIP\u003C\u002Fh2>\u003Cp>These General Terms and Conditions (“General Terms”) govern the access to and use of the BNKA technological platform (the “Platform”), including its website, mobile applications and related digital interfaces.\u003C\u002Fp>\u003Cp>The Platform is owned by Neoxpat Limited, a company incorporated under the laws of Cyprus (“Neoxpat” or the “Platform Owner”). Neoxpat is responsible for the ownership, development, maintenance, security and governance of the Platform as a technological infrastructure.\u003C\u002Fp>\u003Cp>The Platform is a technology layer that enables users to access services provided by third-party regulated entities or local operating entities, depending on the user’s country or region.\u003C\u002Fp>\u003Cp>Neoxpat does not itself provide banking services, payment services, electronic money services, investment services, credit services or any other regulated financial services, unless expressly stated otherwise in jurisdiction-specific terms.\u003C\u002Fp>\u003Ch2>2. STRUCTURE OF THESE TERMS\u003C\u002Fh2>\u003Cp>\u003Cbr>These General Terms apply globally to all users of the Platform.\u003Cbr>Depending on the user’s country of residence or the services accessed, additional terms and conditions (“Local Terms”) may apply. Local Terms are published separately by country or region and identify the regulated service provider(s), applicable licenses, services offered and local regulatory requirements.\u003Cbr>In the event of any conflict, the applicable Local Terms shall prevail over these General Terms.\u003C\u002Fp>\u003Ch2>3. SCOPE OF THE PLATFORM\u003C\u002Fh2>\u003Cp>The Platform provides a digital environment that may allow users to:\u003C\u002Fp>\u003Cp>- register and create a user profile;\u003Cbr>- complete identity verification and compliance procedures;\u003Cbr>- view information, balances or transaction history;\u003Cbr>- submit requests or instructions to service providers;\u003Cbr>- access customer support and informational content.\u003C\u002Fp>\u003Cp>The Platform itself does not constitute a bank account, payment account, electronic wallet or financial product.\u003C\u002Fp>\u003Ch2>4. MODULAR SERVICE MODEL\u003C\u002Fh2>\u003Cp>Services accessible through the Platform are provided on a modular basis by independent entities, depending on jurisdiction and regulatory permissions.\u003C\u002Fp>\u003Cp>The Platform may facilitate access to, without limitation:\u003C\u002Fp>\u003Cp>(a) Crypto-asset related services, such as the purchase, sale, exchange or custody of crypto-assets, where such services are provided by an entity duly authorized as a virtual asset service provider or equivalent under applicable law;\u003C\u002Fp>\u003Cp>(b) Fiat currency and payment-related services, such as payment accounts, transfers, cards, technical account identifiers (including virtual IBANs), where such services are provided exclusively by duly authorized banks, payment service providers or electronic money institutions;\u003C\u002Fp>\u003Cp>(c) Other financial or non-financial services offered by local partners or third parties in accordance with applicable law.\u003Cbr>The Platform acts solely as a technological interface and does not become a contractual counterparty to regulated services, unless expressly stated in the applicable Local Terms.\u003C\u002Fp>\u003Ch2>5. LOCAL SERVICE PROVIDERS\u003C\u002Fh2>\u003Cp>For each country or region, the Local Terms identify:\u003Cbr>- the entity or entities providing regulated services;\u003Cbr>- the nature and scope of such services;\u003Cbr>- the applicable regulatory framework and supervisory authority;\u003Cbr>- consumer protection rules, limits and fees.\u003C\u002Fp>\u003Cp>Users are deemed to contract directly with the local service provider for regulated services, under the applicable Local Terms.\u003C\u002Fp>\u003Ch2>6. USER ELIGIBILITY AND REGISTRATION\u003C\u002Fh2>\u003Cp>To use the Platform, users must be at least eighteen (18) years old and have full legal capacity.\u003C\u002Fp>\u003Cp>Users must complete onboarding, identity verification and compliance procedures as required by applicable laws, regulations and the relevant local service provider.\u003C\u002Fp>\u003Cp>Neoxpat and local service providers reserve the right to accept or reject user registrations and to request additional information at any time.\u003C\u002Fp>\u003Ch2>7. USER OBLIGATIONS\u003C\u002Fh2>\u003Cp>Users agree to:\u003C\u002Fp>\u003Cp>- provide accurate, complete and up-to-date information;\u003Cbr>- use the Platform lawfully and in good faith;\u003Cbr>- comply with all applicable laws, regulations and Local Terms;\u003Cbr>- not use the Platform for illegal, fraudulent or prohibited activities.\u003C\u002Fp>\u003Cp>Users are responsible for maintaining the confidentiality and security of their credentials and devices.\u003C\u002Fp>\u003Ch2>8. RISKS AND DISCLAIMERS\u003C\u002Fh2>\u003Cp>Users acknowledge that:\u003C\u002Fp>\u003Cp>- crypto-assets are subject to significant volatility and risk of loss;\u003Cbr>- transactions involving crypto-assets may be irreversible;\u003Cbr>- regulatory treatment of services may change over time;\u003Cbr>- technological systems may be subject to outages, delays or failures.\u003C\u002Fp>\u003Cp>Neither Neoxpat nor the Platform provides financial, investment, legal or tax advice.\u003C\u002Fp>\u003Ch2>9. FEES AND COSTS\u003C\u002Fh2>\u003Cp>Fees, charges and costs applicable to services are determined by the relevant local service provider and disclosed in the applicable Local Terms or prior to execution of a transaction.\u003C\u002Fp>\u003Cp>Neoxpat does not charge fees for mere access to the Platform, unless expressly stated.\u003C\u002Fp>\u003Ch2>10. SUSPENSION, RESTRICTION AND TERMINATION\u003C\u002Fh2>\u003Cp>Access to the Platform or specific functionalities may be suspended, restricted or terminated for reasons including security, compliance, risk management, suspected unlawful activity or regulatory requirements.\u003C\u002Fp>\u003Cp>Termination of Platform access does not affect the user’s rights or obligations vis-à-vis local service providers under the applicable Local Terms.\u003C\u002Fp>\u003Ch2>11. 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LIMITATION OF LIABILITY\u003C\u002Fh2>\u003Cp>To the maximum extent permitted by law, Neoxpat shall not be liable for:\u003C\u002Fp>\u003Cp>- acts or omissions of local service providers or third parties;\u003Cbr>- losses arising from regulated services provided under Local Terms;\u003Cbr>- indirect or consequential damages;\u003Cbr>- losses caused by events beyond reasonable control.\u003C\u002Fp>\u003Cp>Nothing in these General Terms excludes liability that cannot be excluded under mandatory law.\u003C\u002Fp>\u003Ch2>14. AMENDMENTS\u003C\u002Fh2>\u003Cp>Neoxpat may amend these General Terms from time to time. Updated versions will be published on the Platform. Continued use of the Platform constitutes acceptance of the amended terms.\u003C\u002Fp>\u003Ch2>15. 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platform that facilitates access to digital financial services provided by regulated entities, including solutions for international payments and digital financial management.","Technology platform for digital financial services",[359,361,362,363],{"id":5,"name":195,"type":360},"Country",{"id":115,"name":227,"type":360},{"id":128,"name":212,"type":360},{"id":141,"name":364,"type":365},"European Union","AdministrativeArea",[367,370,373],{"id":368,"name":369,"url":317,"position":5},328,"Home",{"id":371,"name":372,"url":260,"position":115},329,"Terms & Conditions",{"id":374,"name":258,"url":260,"position":128},330,{"id":376,"documentId":377,"title":378,"slug":379,"content":380,"createdAt":381,"updatedAt":382,"publishedAt":9,"locale":10,"link":9,"type":251,"order":115,"region":383,"pdf":9,"seo":9},338,"bkk19f5eh39yvz9773m4tg8e","Operational Transition and Contractual Adaptation Plan – MiCA Regulation","operational-transition-and-contractual-adaptation-plan-mi-ca-regulation","\u003Ch1>Annex A: Operational Transition Plan and Contractual Adaptation — MiCA Regulation (European Economic Area)\u003C\u002Fh1>\u003Cp>\u003Cstrong>Supplement to the General Terms and Conditions of Use of the BNKA Platform.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>This Annex sets out the formal procedure for the discontinuation, liquidation, and orderly safeguarding of the platform's digital asset services vertical within the European Economic Area (EEA), in strict compliance with Regulation (EU) 2023\u002F1114 on Markets in Crypto-Assets (MiCA).\u003C\u002Fp>\u003Ch2>1. Definitive Suspension of Digital Asset Operations\u003C\u002Fh2>\u003Cp>Effective as of 1 July 2026, the platform will permanently cease all active crypto-asset-related operations for EEA users, including, without limitation, the purchase, exchange (inbound swap), receipt, and deposit of new digital funds. Any inbound transfer executed after this date will be rejected by network nodes, and the platform disclaims all liability for asset losses on disabled channels.\u003C\u002Fp>\u003Ch2>2. Preferential Liquidation Window\u003C\u002Fh2>\u003Cp>A grace period is established, ending irrevocably on \u003Cstrong>30 July 2026\u003C\u002Fstrong> (the \"Liquidation Deadline\"). During this period, users with crypto-asset balances greater than zero (>0) will have restricted access in \"Withdrawal-Only\" mode to exclusively carry out:\u003C\u002Fp>\u003Cul>\u003Cli data-list-item-id=\"e071137c5dec4ed2134fea45aaa170f16\">\u003Cstrong>Ordinary Conversion:\u003C\u002Fstrong> final sale of their crypto-assets with direct crediting to their fiat balances in Euros (EUR), which remain fully operational.\u003C\u002Fli>\u003Cli data-list-item-id=\"e8dee0c8d83555972ddf8b9c55eefb6e5\">\u003Cstrong>External (On-Chain) Withdrawal:\u003C\u002Fstrong> transfer of their assets to external addresses under their own control, operating through the compatible blockchain networks indicated in the user interface.\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>3. Verification of Ownership and AML Control on Fiat Withdrawals\u003C\u002Fh2>\u003Cp>In strict accordance with applicable Anti-Money Laundering and Counter-Terrorist Financing (AML\u002FCFT) regulations, any withdrawal of Euro (EUR) funds resulting from the liquidation of digital assets will be processed solely and exclusively to bank accounts (IBAN) whose ownership matches exactly and precisely the User's identity data previously verified through BNKA's Know Your Customer (KYC) process. The processing of outbound transfers to third-party accounts is strictly prohibited and blocked.\u003C\u002Fp>\u003Ch2>4. Regime for Blocked Remaining Balances and Inactive Custody Fee\u003C\u002Fh2>\u003Cp>Once the Liquidation Deadline has elapsed, the platform will proceed to close the autonomous digital asset operational interfaces. Crypto-asset balances (including remaining, residual balances or those below the technical minimum transaction thresholds) that have not been claimed or withdrawn will be moved outside the app's ordinary environment to segregated, contingency technical custody accounts, and the user will lose the ability to dispose of them automatically.\u003C\u002Fp>\u003Cp>In order to cover the extraordinary costs of technical security, segregated infrastructure, specific private key control, and regulatory compliance for orphaned balances, starting on day sixty (60) after the Liquidation Deadline, BNKA will apply an \u003Cstrong>Administrative Fee for Custody of Inactive Balances\u003C\u002Fstrong> of up to the equivalent of \u003Cstrong>EUR 10.00 per month\u003C\u002Fstrong>.\u003C\u002Fp>\u003Cp>This fee will be deducted automatically and directly from the user's remaining balance until the accounting balance reaches zero (0). The legitimate holder may only request the manual withdrawal of their remaining funds by formally arranging it through the official channel \u003Cstrong>compliance@bnka.com\u003C\u002Fstrong>, and such release will be conditional on strict, enhanced, and up-to-date verification of their identity (KYC) and the source of the funds (AML).\u003C\u002Fp>\u003Ch2>5. Consent, Contractual Precedence, and Fiduciary Continuity\u003C\u002Fh2>\u003Cp>The exercise of the transition options within the interface, continued access to the platform, or the maintenance of custodied balances after notification of this document constitutes the User's express and unequivocal consent to the terms of this Annex. The provisions contained herein represent a legitimate contractual amendment made for regulatory reasons and shall take precedence, with a higher hierarchical rank, over any clause of the General Terms and Conditions of Use that may be contradictory.\u003C\u002Fp>\u003Cp>It is reiterated that ordinary payment accounts, EUR balances, and vIBANs are not affected in any way and remain fully in force.\u003C\u002Fp>","2026-06-30T14:15:44.024Z","2026-07-01T16:29:22.387Z",[384,386],{"id":5,"documentId":157,"createdAt":158,"updatedAt":159,"publishedAt":9,"locale":9,"region":161,"countrynameES":161,"countrynameEN":161,"order":5,"countrynameLT":161,"flag":385},{"id":163,"documentId":164,"name":165,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":167,"ext":106,"mime":107,"size":168,"url":169,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":170,"updatedAt":170,"publishedAt":170,"locale":9,"focalPoint":9},{"id":131,"documentId":173,"createdAt":174,"updatedAt":175,"publishedAt":9,"locale":9,"region":177,"countrynameES":178,"countrynameEN":179,"order":5,"countrynameLT":178,"flag":387},{"id":14,"documentId":181,"name":182,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":388,"hash":184,"ext":106,"mime":107,"size":185,"url":186,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":187,"updatedAt":188,"publishedAt":187,"locale":9,"focalPoint":9},{},{"id":390,"documentId":391,"title":392,"slug":393,"content":394,"createdAt":395,"updatedAt":396,"publishedAt":9,"locale":10,"link":9,"type":251,"order":115,"region":397,"pdf":9,"seo":9},340,"r0gaugfly4jbz3ocejmpmdj3","Special conditions for operational transition and balance liquidation – Latin america 2026","special-conditions-for-operational-transition-and-balance-liquidation-latin-america-2026","\u003Ch1>Annex B: Special Conditions for Operational Transition and Balance Liquidation – Latin America 2026\u003C\u002Fh1>\u003Cp>\u003Cstrong>Supplement to the General Terms and Conditions of Use of the BNKA Platform.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>This Annex governs the temporary modification, discontinuation, and orderly liquidation of the crypto-asset-related services vertical in the Latin America region, for the purpose of carrying out a reorganization of the platform's product portfolio.\u003C\u002Fp>\u003Ch2>1. Discontinuation of Deposits and Inflows\u003C\u002Fh2>\u003Cp>Effective as of 30 June 2026, the platform permanently suspends the option to deposit, receive, or add new crypto-asset funds. Any incoming transfer or transaction of digital assets after this date will be rejected by the system or blocked, and the platform assumes no liability for losses arising from transfers sent to disabled deposit addresses.\u003C\u002Fp>\u003Ch2>2. Preferential Liquidation Window\u003C\u002Fh2>\u003Cp>A grace period of thirty (30) calendar days is established, ending on \u003Cstrong>30 July 2026\u003C\u002Fstrong> (the \"Deadline\"). During this period, the app interface will operate exclusively in \"Withdrawal-Only\" mode, allowing users with crypto-asset balances greater than zero (>0) to carry out only two operations:\u003C\u002Fp>\u003Cul>\u003Cli data-list-item-id=\"eb75db360cfef4b09094de93001dceba8\">\u003Cstrong>Exchange (swap\u002Fsale):\u003C\u002Fstrong> of crypto-assets for the local fiat currencies available on the platform.\u003C\u002Fli>\u003Cli data-list-item-id=\"e74aaca7ba7b250c7e23b81041a879e54\">\u003Cstrong>On-chain withdrawal:\u003C\u002Fstrong> of their crypto-assets to an external wallet address under their exclusive control. This withdrawal will be executed solely through the blockchain networks supported by the platform for this transition and explicitly shown as enabled in the app interface at the time of the order. The User is solely responsible for ensuring that the destination wallet is compatible with the selected network; BNKA will assume no liability for funds sent to incompatible networks or incorrect addresses.\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>3. Verification of Ownership and AML Control on Fiat Withdrawals\u003C\u002Fh2>\u003Cp>In strict accordance with internal Anti-Money Laundering and Counter-Terrorist Financing (AML\u002FCFT) policies, any withdrawal of fiat currency funds resulting from the liquidation or sale of digital assets will be processed solely and exclusively to local bank accounts or virtual accounts whose ownership matches exactly the User's identity data previously verified through the platform's Know Your Customer (KYC) process. The processing of outbound transfers to third-party accounts or wallets is strictly prohibited and blocked.\u003C\u002Fp>\u003Ch2>4. Regime for Remaining Balances and Inactive Custody Fee\u003C\u002Fh2>\u003Cp>Once the Deadline has elapsed, BNKA will not guarantee the availability of autonomous crypto-asset operations within the usual mobile app interface.\u003C\u002Fp>\u003Cp>Crypto-asset balances (including remaining, residual balances or those below the technical minimums required by the platform for the execution of ordinary transactions) that have not been withdrawn by the user will be moved to segregated technical custody accounts outside the ordinary operational environment.\u003C\u002Fp>\u003Cp>In order to cover the costs of infrastructure, regulatory compliance, key security, and maintenance of orphaned balances, starting on day sixty (60) after the Deadline, BNKA will apply an \u003Cstrong>Administrative Fee for Custody of Inactive Balances\u003C\u002Fstrong> of up to the equivalent of \u003Cstrong>USD 10.00 per month\u003C\u002Fstrong>. This fee will be deducted automatically and directly from the user's remaining balance until the balance reaches zero (0), or until the user formally requests its manual withdrawal through \u003Cstrong>legal@bnka.com\u003C\u002Fstrong>, with such release being conditional on enhanced, up-to-date identity verification (KYC).\u003C\u002Fp>\u003Ch2>5. Consent and Contractual Precedence\u003C\u002Fh2>\u003Cp>Continued access to the platform, or the maintenance of custodied balances after notification of this document, constitutes the User's express acceptance of the terms of this Annex. In the event of a conflict between the provisions of the General Terms and Conditions and this Annex, the provisions set out herein shall prevail for digital asset operations in the region.\u003C\u002Fp>","2026-06-30T14:19:20.414Z","2026-07-01T16:44:45.194Z",[398,400,402,404],{"id":5,"documentId":157,"createdAt":158,"updatedAt":159,"publishedAt":9,"locale":9,"region":161,"countrynameES":161,"countrynameEN":161,"order":5,"countrynameLT":161,"flag":399},{"id":163,"documentId":164,"name":165,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":167,"ext":106,"mime":107,"size":168,"url":169,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":170,"updatedAt":170,"publishedAt":170,"locale":9,"focalPoint":9},{"id":128,"documentId":190,"createdAt":191,"updatedAt":192,"publishedAt":9,"locale":9,"region":194,"countrynameES":195,"countrynameEN":195,"order":115,"countrynameLT":195,"flag":401},{"id":197,"documentId":198,"name":199,"alternativeText":9,"caption":9,"width":200,"height":200,"formats":9,"hash":201,"ext":106,"mime":107,"size":202,"url":203,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":204,"updatedAt":204,"publishedAt":204,"locale":9,"focalPoint":9},{"id":100,"documentId":222,"createdAt":223,"updatedAt":224,"publishedAt":9,"locale":9,"region":226,"countrynameES":227,"countrynameEN":227,"order":141,"countrynameLT":228,"flag":403},{"id":230,"documentId":231,"name":232,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":233,"ext":106,"mime":107,"size":234,"url":235,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":236,"updatedAt":236,"publishedAt":237,"locale":9,"focalPoint":9},{"id":241,"documentId":206,"createdAt":207,"updatedAt":208,"publishedAt":9,"locale":9,"region":210,"countrynameES":211,"countrynameEN":212,"order":128,"countrynameLT":212,"flag":405},{"id":214,"documentId":215,"name":216,"alternativeText":9,"caption":9,"width":200,"height":200,"formats":9,"hash":217,"ext":106,"mime":107,"size":218,"url":219,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":220,"updatedAt":220,"publishedAt":220,"locale":9,"focalPoint":9},{"id":407,"documentId":408,"title":409,"slug":410,"content":411,"createdAt":412,"updatedAt":413,"publishedAt":9,"locale":10,"link":9,"type":251,"order":115,"region":414,"pdf":9,"seo":417},6,"y9f2tjws73lrbk1jmtauazz4","Privacy Policy","privacy-policy","\u003Ch2>1. Who we are\u003C\u002Fh2>\u003Cp>BNKA platform is owned by Block Digital UAB, a company incorporated under the laws of Lithuania, with registered office in Kalvariju g. 125, Vilnius, Lithuania, licensed to operate under the regulations as a virtual asset service operator. (VASP).\u003C\u002Fp>\u003Ch2>2. When we collect your personal data.\u003C\u002Fh2>\u003Cp>BNKA will start processing your personal data when you register your bnka account.\u003C\u002Fp>\u003Ch2>3. How we collect your personal data\u003C\u002Fh2>\u003Cp>We collect personal data about you from different sources, including:\u003C\u002Fp>\u003Cul>\u003Cli>Personal data received from you, such as when you sign up for a platform account, including contact information;\u003C\u002Fli>\u003Cli>Personal data about you received from external sources\u003C\u002Fli>\u003Cli>Personal data that is shared with us by Intergiro, mainly customer support information which we need to be able to assist you with customer support matters but also personal data related to your use of Intergiro’s payment services;\u003C\u002Fli>\u003C\u002Ful>\u003Cp> \u003C\u002Fp>\u003Ch2>4. What personal data we collect\u003C\u002Fh2>\u003Cp>We have divided the personal data we process into the following categories:\u003C\u002Fp>\u003Cul>\u003Cli>Contact information - such as name and other information about yourself (e.g. address, telephone number, e-mail address, etc.);\u003C\u002Fli>\u003Cli>Information about how you interact with BNKA- for example how you use the platform account;\u003C\u002Fli>\u003Cli>Device information - for example IP address, language settings, browser settings, time zone, operating system, platform and screen resolution;\u003C\u002Fli>\u003Cli>Customer support information - information that you provide to our customer support so we can help you with resolving your enquiries.\u003C\u002Fli>\u003C\u002Ful>\u003Cp> \u003C\u002Fp>\u003Ch2>5. Why we process your personal data\u003C\u002Fh2>\u003Cp>According to the GDPR we need to have a purpose and a legal basis for the processing of your personal data. Read more about our purpose for processing your personal data below.\u003C\u002Fp>\u003Cp>At BNKA, the legal basis for processing your personal data is either: the agreement you have, or is about to enter into, with us by accepting our terms and conditions or, the agreement you have, or is about to enter into, with the Intergiro by accepting Intergiro’s terms and conditions; legal obligations we are bound by, such as to comply with bookkeeping laws, and to prevent fraud and misuse of our services; or our legitimate interest, such as providing customer support or keeping you informed about product updates. In very rare cases we may also process your personal data if we have received your explicit consent to do so. In such a case you can always withdraw your consent at any time.\u003C\u002Fp>\u003Cp>We use the personal data we collect for the following purposes:\u003C\u002Fp>\u003Cul>\u003Cli>The administration and management of our relationship with you, such as reviewing your application to become BNKA’s customer, setting up your platform account, conducting performance analytics and keeping you informed about product updates;The legal basis for such processing is (i) the agreement you have entered into, or is about to enter into, with us or (ii) our legitimate interest. Our view is that keeping you up to date on the products and services available to you creates meaningful knowledge to you.\u003C\u002Fli>\u003Cli>Provision of our services, updates, security alerts and support and administrative messages, and otherwise facilitate your use of, and our administration and operation of, the Platform and to enforce our Terms & Conditions and other policies\u003C\u002Fli>\u003C\u002Ful>\u003Cp>The legal basis for the provision of our services is the agreement you have entered into with us.\u003C\u002Fp>\u003Cul>\u003Cli>Accounting and auditing requirements;\u003C\u002Fli>\u003C\u002Ful>\u003Cp>The legal basis for such processing is mandatory law, such as the Swedish accounting act (Sw. bokföringslagen) and the Swedish annual reports act (Sw. årsredovisningslagen).\u003C\u002Fp>\u003Cul>\u003Cli>Business development, such as compiling statistics and analysing the data in order to improve our services;\u003C\u002Fli>\u003C\u002Ful>\u003Cp>The legal basis for such processing is our legitimate interest in maintaining our relationship with you and to improve our services. Our view is that you as our customers benefit from improvements to the services;\u003C\u002Fp>\u003Cul>\u003Cli>Assess or defend legal claims against us or to protect ourselves from fraud and in connection with a reorganisation, transfer of business, merger, IPO or acquisition.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>The legal basis for such processing is our legitimate interest to defend us against legal claims, to protect our company from fraud, and to be able to reorganise or scale-up our business.\u003C\u002Fp>\u003Ch2>6. With whom we share your personal data\u003C\u002Fh2>\u003Cp>We may share your personal data with our affiliates and trusted third party service providers in order to be able to provide our services. These trusted third party service providers may include services of delivery of goods, search engine facilities, advertising and marketing. In some cases, the third parties may require access to some or all of your personal data. Where any of your personal data is required for such a purpose, we undertake steps to ensure that your personal data is processed in accordance with the requirements of the applicable data protection laws.\u003C\u002Fp>\u003Cp>We also share data with our other trusted third party service providers, who act as our processors: ● Suppliers of IT systems and cloud services\u003C\u002Fp>\u003Cul>\u003Cli>We have carefully reviewed our service providers and secured that their processing of your personal data is compliant with EU standards and the GDPR. Your personal data will also, when applicable, be shared with the following parties which themselves are data controllers of the processing of personal data\u003C\u002Fli>\u003Cli>We are sometimes required to share personal data with parties operating outside the EU. In these cases, we ensure that the data is transferred in accordance with the applicable requirements of the GDPR, primarily the standard contract clauses (SCC) and complementary safety measures, or if available, other means in compliance with the GDPR.\u003C\u002Fli>\u003C\u002Ful>\u003Cp>If BNKA engages in a merger, acquisition, reorganisation or sale of some or all of BNKA’s assets or shares, financing, initial public offering or similar transactions or proceedings, or steps in contemplation of such activities (such as due diligence), BNKA may share personal data with third parties, subject to standard confidentiality arrangements.\u003C\u002Fp>\u003Ch2>7. For how long?\u003C\u002Fh2>\u003Cp>We store your personal data for the purposes set out above during the term of our contractual relationship with you, for as long as we otherwise have a meaningful contact with you or as may otherwise be required by law. When the purpose for which your personal data was collected is no longer relevant, we will stop processing your personal data and either delete or anonymise it in a secure manner. We may retain your personal data for a longer period of time to the extent required by law, by our automated disaster recovery backup systems or if we deem it necessary to assess or defend legal claims. Under mandatory law, we are required to keep your personal data due to:\u003C\u002Fp>\u003Cul>\u003Cli>Bookkeeping legislation, for a period of seven years\u003C\u002Fli>\u003C\u002Ful>\u003Ch2>8. Your rights\u003C\u002Fh2>\u003Cp>As a data subject, you have the right to request access to and information about the personal data that we process about you. Additionally, you may also request that we correct (rectify), complete, erase or restrict the processing of personal data regarding you. You also have the right to request a copy of the personal data we process regarding you free of charge. Where BNKA processes your personal data on the legal ground of consent or fulfilment of contract, you have the right to data portability which means that you can receive the personal data in a commonly used, structured and machine-readable format and you have the right to transfer it to another controller. You have an absolute right to object to personal data processing done for the purposes of direct marketing.\u003C\u002Fp>\u003Ch2>9. Contacts and Complaints\u003C\u002Fh2>\u003Cp>If you have any cause for complaint about BNKA’s processing of your personal data, please contact us using the details provided in this Privacy Policy and we will do our best to address your concerns. Customer support is accessible via in-app chat\u002Femail on . Customer support is open 24\u002F7 all days.\u003C\u002Fp>\u003Cp>4 Customer support is available in English language. Please be informed that you have the possibility to lodge a complaint with a supervisory authority if you are not satisfied with our processing of your personal data. You may find your local supervisory authority by following this link: https:\u002F\u002Fedpb.europa.eu\u002Fabout-edpb\u002Fboard\u002Fmembers_en\u003C\u002Fp>\u003Ch2>10. Changes to this privacy policy\u003C\u002Fh2>\u003Cp>We may need to change this privacy policy, for example when we add features to the services, because of changes in law or regulations or due to evolving industry standards. You will be informed about such changes via email.\u003C\u002Fp>","2025-07-25T20:24:29.245Z","2026-07-01T16:34:09.728Z",[415],{"id":5,"documentId":157,"createdAt":158,"updatedAt":159,"publishedAt":9,"locale":9,"region":161,"countrynameES":161,"countrynameEN":161,"order":5,"countrynameLT":161,"flag":416},{"id":163,"documentId":164,"name":165,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":167,"ext":106,"mime":107,"size":168,"url":169,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":170,"updatedAt":170,"publishedAt":170,"locale":9,"focalPoint":9},{"id":418,"Title":419,"description":420,"keywords":9,"canonicalUrl":421,"noindex":16,"nofollow":16,"structuredType":261,"image":422,"seo_site_setting":428,"breadcrumbs":450},294,"BNKA Privacy Policy","Read the BNKA privacy policy to understand how we collect, use, and protect your personal data when using the platform and its services.","https:\u002F\u002Fbnka.com\u002Fen\u002Fterms\u002Fbnka\u002Fprivacy-policy",{"id":263,"documentId":264,"name":265,"alternativeText":9,"caption":9,"width":266,"height":267,"formats":423,"hash":302,"ext":270,"mime":273,"size":303,"url":304,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":305,"updatedAt":305,"publishedAt":306,"locale":9,"focalPoint":9},{"large":424,"small":425,"medium":426,"thumbnail":427},{"ext":270,"url":271,"hash":272,"mime":273,"name":274,"path":9,"size":275,"width":276,"height":277,"sizeInBytes":278},{"ext":270,"url":280,"hash":281,"mime":273,"name":282,"path":9,"size":283,"width":284,"height":285,"sizeInBytes":286},{"ext":270,"url":288,"hash":289,"mime":273,"name":290,"path":9,"size":291,"width":292,"height":293,"sizeInBytes":294},{"ext":270,"url":296,"hash":297,"mime":273,"name":298,"path":9,"size":123,"width":299,"height":300,"sizeInBytes":301},{"id":5,"documentId":308,"createdAt":309,"updatedAt":310,"publishedAt":311,"locale":10,"website":429,"organization":434,"financialServices":444},{"id":5,"siteName":161,"siteUrl":313,"defaultLanguage":314,"alternateLanguages":430},[431,432,433],{"id":5,"language":10,"url":317},{"id":115,"language":314,"url":319},{"id":128,"language":321,"url":322},{"id":5,"name":161,"legalName":161,"url":313,"contactEmail":9,"contactPhone":9,"foundingDate":9,"address":9,"logo":435,"sameAs":439},{"id":325,"documentId":326,"name":327,"alternativeText":9,"caption":9,"width":328,"height":328,"formats":436,"hash":345,"ext":331,"mime":334,"size":346,"url":347,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":111,"createdAt":348,"updatedAt":348,"publishedAt":349,"locale":9,"focalPoint":9},{"small":437,"thumbnail":438},{"ext":331,"url":332,"hash":333,"mime":334,"name":335,"path":9,"size":336,"width":284,"height":284,"sizeInBytes":337},{"ext":331,"url":339,"hash":340,"mime":334,"name":341,"path":9,"size":342,"width":343,"height":343,"sizeInBytes":344},[440,441,442,443],{"id":5,"socialNetwork":98},{"id":115,"socialNetwork":116},{"id":128,"socialNetwork":129},{"id":141,"socialNetwork":142},{"id":5,"name":161,"description":356,"url":313,"serviceType":357,"areaServed":445},[446,447,448,449],{"id":5,"name":195,"type":360},{"id":115,"name":227,"type":360},{"id":128,"name":212,"type":360},{"id":141,"name":364,"type":365},[451,453,455],{"id":452,"name":369,"url":317,"position":5},355,{"id":454,"name":372,"url":86,"position":115},356,{"id":456,"name":419,"url":421,"position":128},357,{"id":458,"documentId":459,"title":460,"slug":461,"content":462,"createdAt":463,"updatedAt":464,"publishedAt":9,"locale":10,"link":9,"type":251,"order":241,"region":465,"pdf":9,"seo":9},269,"e5l24e7t6on9cnpeaowehbkm","BNKA Referral Program","bnka-referral-program","\u003Ch2>\u003Cstrong data-start=\"0\" data-end=\"24\">Terms and Conditions\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp data-start=\"0\" data-end=\"102\">Version 1.3 – February 2026\u003C\u002Fp>\u003Ch3 data-start=\"109\" data-end=\"146\">1. Identification of the Issuer\u003C\u002Fh3>\u003Cp data-start=\"148\" data-end=\"400\">The Referral Program is offered by BNKA, a brand operated by entities within the Neoxpat group, which provide technology services and access to financial infrastructure through duly regulated third-party providers, as applicable in each jurisdiction.\u003C\u002Fp>\u003Cp data-start=\"402\" data-end=\"650\">BNKA does not act as a bank, payment institution, or investment services provider. It does not provide financial, tax, or investment advice. The services available may vary depending on the user’s location and the applicable regulatory framework.\u003C\u002Fp>\u003Ch3 data-start=\"657\" data-end=\"691\">2. Definition of the Program\u003C\u002Fh3>\u003Cp data-start=\"693\" data-end=\"1139\">The BNKA Referral Program (hereinafter, the “Program”) allows existing and verified users of the BNKA platform (hereinafter, “BNKA” or the “Platform”) to invite new users to register using a personal invitation code. As a promotional incentive, BNKA may grant internal promotional credits, applicable exclusively as a discount on service fees for certain transactions carried out within the Platform, subject to the conditions set forth herein.\u003C\u002Fp>\u003Ch3 data-start=\"1146\" data-end=\"1187\">3. Nature of the Promotional Credit\u003C\u002Fh3>\u003Cp data-start=\"1189\" data-end=\"1241\">The promotional credit granted under this Program:\u003C\u002Fp>\u003Cul data-start=\"1243\" data-end=\"1882\">\u003Cli data-start=\"1243\" data-end=\"1312\">\u003Cp data-start=\"1245\" data-end=\"1312\">Does not constitute cash, monetary value, or currency equivalent.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1313\" data-end=\"1403\">\u003Cp data-start=\"1315\" data-end=\"1403\">Is non-transferable, non-withdrawable, and cannot be converted into available balance.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1404\" data-end=\"1455\">\u003Cp data-start=\"1406\" data-end=\"1455\">Does not accrue interest or generate any yield.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1456\" data-end=\"1665\">\u003Cp data-start=\"1458\" data-end=\"1665\">May only be used as an automatic discount applied exclusively to the service fee charged by BNKA in eligible transactions. It does not apply to exchange rates, spreads, or the principal transaction amount.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"1666\" data-end=\"1882\">\u003Cp data-start=\"1668\" data-end=\"1882\">References to “USD” in this document are for indicative purposes only, as an estimated reference value at the time of activation, and do not constitute a promise of exchange rate, parity, or monetary equivalence.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"1889\" data-end=\"1944\">4. Definition of “Swap” and Eligible Transactions\u003C\u002Fh3>\u003Cp data-start=\"1946\" data-end=\"2235\">For the purposes of this Program, a “swap” or “exchange” means an internal conversion transaction of digital assets or currencies (between digital assets, or between digital assets and fiat currency), executed within the BNKA Platform through external technology and liquidity providers.\u003C\u002Fp>\u003Cp data-start=\"2237\" data-end=\"2294\">The following are not considered eligible transactions:\u003C\u002Fp>\u003Cul data-start=\"2296\" data-end=\"2460\">\u003Cli data-start=\"2296\" data-end=\"2330\">\u003Cp data-start=\"2298\" data-end=\"2330\">Withdrawals from the Platform.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2331\" data-end=\"2362\">\u003Cp data-start=\"2333\" data-end=\"2362\">Transfers between accounts.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2363\" data-end=\"2410\">\u003Cp data-start=\"2365\" data-end=\"2410\">Transactions executed outside the Platform.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2411\" data-end=\"2460\">\u003Cp data-start=\"2413\" data-end=\"2460\">Reversed, canceled, or disputed transactions.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"2462\" data-end=\"2540\">Transaction eligibility shall be automatically determined by BNKA’s systems.\u003C\u002Fp>\u003Ch3 data-start=\"2547\" data-end=\"2599\">5. Eligibility and Jurisdictional Restrictions\u003C\u002Fh3>\u003Cp data-start=\"2601\" data-end=\"2795\">The Program is available only to individuals of legal age who reside in jurisdictions where participation in this type of promotional program is not prohibited or restricted by applicable law.\u003C\u002Fp>\u003Cp data-start=\"2797\" data-end=\"2833\">The following may not participate:\u003C\u002Fp>\u003Cul data-start=\"2835\" data-end=\"3218\">\u003Cli data-start=\"2835\" data-end=\"2931\">\u003Cp data-start=\"2837\" data-end=\"2931\">Individuals listed on international sanctions lists (OFAC, EU, UN, or others as applicable).\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"2932\" data-end=\"3015\">\u003Cp data-start=\"2934\" data-end=\"3015\">Politically Exposed Persons (PEPs), where determined by BNKA’s internal policy.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3016\" data-end=\"3127\">\u003Cp data-start=\"3018\" data-end=\"3127\">Individuals suspected of fraud, unlawful activities, or non-compliance with applicable AML\u002FCFT regulations.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3128\" data-end=\"3218\">\u003Cp data-start=\"3130\" data-end=\"3218\">Individuals whose identity cannot be verified in accordance with BNKA’s KYC standards.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"3225\" data-end=\"3262\">6. Credit Activation Conditions\u003C\u002Fh3>\u003Cp data-start=\"3264\" data-end=\"3386\">The promotional credit will be activated only when the referred user cumulatively meets all of the following conditions:\u003C\u002Fp>\u003Cul data-start=\"3388\" data-end=\"3750\">\u003Cli data-start=\"3388\" data-end=\"3454\">\u003Cp data-start=\"3390\" data-end=\"3454\">Full registration on the Platform using a valid referral code.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3455\" data-end=\"3515\">\u003Cp data-start=\"3457\" data-end=\"3515\">Successful identity verification (KYC) approved by BNKA.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"3516\" data-end=\"3750\">\u003Cp data-start=\"3518\" data-end=\"3750\">Execution of an eligible swap transaction with an estimated equivalent value equal to or greater than USD 150 (one hundred fifty reference dollars), calculated according to BNKA’s internal reference value at the time of execution.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Ch3 data-start=\"3757\" data-end=\"3803\">7. Promotional Credit: Amount and Limits\u003C\u002Fh3>\u003Cp data-start=\"3805\" data-end=\"4083\">Once the activation conditions are met, both the referring user and the referred user may receive a promotional credit of up to five (5) credit units each (estimated equivalent: USD 5), with a maximum total of ten (10) credit units per referral (estimated equivalent: USD 10).\u003C\u002Fp>\u003Cp data-start=\"4085\" data-end=\"4176\">The USD value indicated is an estimated reference at the time of activation and may vary.\u003C\u002Fp>\u003Cp data-start=\"4178\" data-end=\"4353\">The use of “USD” is strictly for reference purposes and does not imply the delivery of fiat currency. BNKA does not guarantee parity, exchange rate, or monetary equivalence.\u003C\u002Fp>\u003Ch3 data-start=\"4360\" data-end=\"4413\">8. Application, Validity, and Use of the Credit\u003C\u002Fh3>\u003Cp data-start=\"4415\" data-end=\"4597\">The promotional credit is automatically applied as a discount on the service fee in future eligible transactions (swaps), each with a minimum estimated equivalent value of USD 150.\u003C\u002Fp>\u003Cp data-start=\"4599\" data-end=\"4831\">If the transaction fee is lower than the available credit balance, the credit will be partially consumed, and the remaining balance will roll over to future eligible transactions until exhausted or expired, whichever occurs first.\u003C\u002Fp>\u003Cp data-start=\"4833\" data-end=\"4919\">The credit will remain valid for ninety (90) calendar days from the activation date.\u003C\u002Fp>\u003Cp data-start=\"4921\" data-end=\"5049\">After this period, any unused credit will automatically expire without the right to compensation, reimbursement, or extension.\u003C\u002Fp>\u003Cp data-start=\"5051\" data-end=\"5169\">The credit will be immediately forfeited in the event of account closure, whether voluntary or at BNKA’s discretion.\u003C\u002Fp>\u003Ch3 data-start=\"5176\" data-end=\"5223\">9. Limits, Abuse Prevention, and Reversal\u003C\u002Fh3>\u003Cp data-start=\"5225\" data-end=\"5266\">To ensure the integrity of the Program:\u003C\u002Fp>\u003Cul data-start=\"5268\" data-end=\"5622\">\u003Cli data-start=\"5268\" data-end=\"5330\">\u003Cp data-start=\"5270\" data-end=\"5330\">A maximum of three (3) valid referrals per referring user.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5331\" data-end=\"5388\">\u003Cp data-start=\"5333\" data-end=\"5388\">One (1) referral per verified identity or per device.\u003C\u002Fp>\u003C\u002Fli>\u003Cli data-start=\"5389\" data-end=\"5622\">\u003Cp data-start=\"5391\" data-end=\"5622\">The following are prohibited: self-referrals, creation of multiple accounts by the same individual, use of third-party identity data, and commercial, advertising, or affiliate campaigns without BNKA’s prior written authorization.\u003C\u002Fp>\u003C\u002Fli>\u003C\u002Ful>\u003Cp data-start=\"5624\" data-end=\"5787\">BNKA uses technical device identifiers and other automated mechanisms solely to prevent abuse and fraud in the Program, in accordance with BNKA’s Privacy Policy.\u003C\u002Fp>\u003Cp data-start=\"5789\" data-end=\"6087\">\u003Cstrong data-start=\"5789\" data-end=\"5809\">Reversal clause:\u003C\u002Fstrong> BNKA reserves the right to deny, suspend, reverse, or cancel promotional credits if it detects or reasonably suspects fraud, Program abuse, breach of these Terms, indications of AML\u002FCFT violations, or any conduct that compromises the integrity of the Program or the Platform.\u003C\u002Fp>\u003Cp data-start=\"6089\" data-end=\"6260\">\u003Cstrong data-start=\"6089\" data-end=\"6107\">Review window:\u003C\u002Fstrong> BNKA may apply a post-activation review period before enabling effective use of the credit to validate the legitimacy of the transaction and referral.\u003C\u002Fp>\u003Ch3 data-start=\"6267\" data-end=\"6301\">10. Legal Notice – No Advice\u003C\u002Fh3>\u003Cp data-start=\"6303\" data-end=\"6659\">The Program does not constitute and shall not be interpreted as financial advice, investment recommendation, solicitation to trade digital assets, or promotion of a risky activity. The promotional credit is a limited commercial incentive that solely reduces the service fee cost for transactions that the user freely and independently chooses to execute.\u003C\u002Fp>\u003Cp data-start=\"6661\" data-end=\"6863\">Users are solely responsible for assessing the risks associated with transactions carried out on the Platform. BNKA does not provide recommendations regarding the suitability of specific transactions.\u003C\u002Fp>\u003Ch3 data-start=\"6870\" data-end=\"6904\">11. Personal Data Protection\u003C\u002Fh3>\u003Cp data-start=\"6906\" data-end=\"7069\">Participation in the Program involves the processing of personal data for identity verification, fraud and abuse prevention, and proper execution of the Program.\u003C\u002Fp>\u003Cp data-start=\"7071\" data-end=\"7381\">Data processing is carried out in accordance with BNKA’s Privacy Policy, available on the Platform, and applicable data protection regulations, including the General Data Protection Regulation (GDPR), where applicable. The legal basis for processing is legitimate interest and\u002For applicable legal obligation.\u003C\u002Fp>\u003Cp data-start=\"7383\" data-end=\"7585\">Users may exercise their rights of access, rectification, erasure, and objection (ARCO rights) or their equivalents under applicable law by contacting BNKA through the channels indicated in clause 13.\u003C\u002Fp>\u003Ch3 data-start=\"7592\" data-end=\"7630\">12. Modifications to the Program\u003C\u002Fh3>\u003Cp data-start=\"7632\" data-end=\"7743\">BNKA may modify, suspend, or cancel the Program at any time for operational, regulatory, or security reasons.\u003C\u002Fp>\u003Cp data-start=\"7745\" data-end=\"8006\">Where modifications are material, BNKA will notify users via the app and\u002For email with reasonable prior notice, unless the modification is required for security, fraud prevention, or regulatory compliance reasons, in which case it may take effect immediately.\u003C\u002Fp>\u003Cp data-start=\"8008\" data-end=\"8242\">Modifications will not have retroactive effect on credits already applied or effectively used by users. Participation in the Program implies full and unconditional acceptance of these Terms and Conditions and any amendments thereto.\u003C\u002Fp>\u003Ch3 data-start=\"8249\" data-end=\"8278\">13. Claims and Disputes\u003C\u002Fh3>\u003Cp data-start=\"8280\" data-end=\"8381\">For inquiries or claims related to the Program, users may contact:\u003Cbr>\u003Ca class=\"decorated-link\" data-start=\"8349\" data-end=\"8379\" rel=\"noopener\" target=\"_new\">\u003Ca target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes\">https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes\u003Cspan class=\"ms-0.5 inline-block align-middle leading-none\" aria-hidden=\"true\">\u003Csvg class=\"block h-[0.75em] w-[0.75em] stroke-current stroke-[0.75]\" xmlns=\"http:\u002F\u002Fwww.w3.org\u002F2000\u002Fsvg\" width=\"20\" height=\"20\" aria-hidden=\"true\" data-rtl-flip=\"\">\u003Cuse href=\"\u002Fcdn\u002Fassets\u002Fsprites-core-mxwopdm6.svg#304883\" fill=\"currentColor\">\u003C\u002Fuse>\u003C\u002Fsvg>\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fa>\u003C\u002Fp>\u003Cp data-start=\"8383\" data-end=\"8659\">Users shall have thirty (30) calendar days from the date on which the credit should have been activated to submit a claim. BNKA undertakes to respond within a reasonable timeframe. Claims must include: user identification, referral code used, and a description of the issue.\u003C\u002Fp>\u003Ch3 data-start=\"8666\" data-end=\"8706\">14. Governing Law and Jurisdiction\u003C\u002Fh3>\u003Cp data-start=\"8708\" data-end=\"8910\">These Terms shall be governed by and construed in accordance with the laws applicable to the operating entity corresponding to the user, without prejudice to mandatory consumer protection regulations.\u003C\u002Fp>\u003Cp data-start=\"8912\" data-end=\"9158\">For the resolution of disputes arising from these Terms, the parties submit to the jurisdiction of the competent courts in accordance with the applicable operating entity and legislation, waiving any other jurisdiction that may otherwise apply.\u003C\u002Fp>\u003Ch3 data-start=\"9165\" data-end=\"9185\">15. Acceptance\u003C\u002Fh3>\u003Cp data-start=\"9187\" data-end=\"9364\" data-is-last-node=\"\" data-is-only-node=\"\">Participation in the Referral Program implies full and unconditional acceptance of these Terms and Conditions, including any future amendments made in accordance with clause 12.\u003C\u002Fp>","2026-02-19T21:36:01.563Z","2026-07-01T16:36:13.808Z",[466],{"id":5,"documentId":157,"createdAt":158,"updatedAt":159,"publishedAt":9,"locale":9,"region":161,"countrynameES":161,"countrynameEN":161,"order":5,"countrynameLT":161,"flag":467},{"id":163,"documentId":164,"name":165,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":167,"ext":106,"mime":107,"size":168,"url":169,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":170,"updatedAt":170,"publishedAt":170,"locale":9,"focalPoint":9},{"id":240,"documentId":469,"title":470,"slug":471,"content":9,"createdAt":472,"updatedAt":473,"publishedAt":9,"locale":10,"link":474,"type":251,"order":407,"region":475,"pdf":9,"seo":9},"fuqf684cg6k1royx723f44qs","Complaints book","complaints-book","2025-07-28T13:47:37.851Z","2026-07-01T16:33:33.840Z","https:\u002F\u002Fsupport.bnka.com\u002Fhc\u002Fes\u002Frequests\u002Fnew",[476,478],{"id":5,"documentId":157,"createdAt":158,"updatedAt":159,"publishedAt":9,"locale":9,"region":161,"countrynameES":161,"countrynameEN":161,"order":5,"countrynameLT":161,"flag":477},{"id":163,"documentId":164,"name":165,"alternativeText":9,"caption":9,"width":166,"height":166,"formats":9,"hash":167,"ext":106,"mime":107,"size":168,"url":169,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":170,"updatedAt":170,"publishedAt":170,"locale":9,"focalPoint":9},{"id":241,"documentId":206,"createdAt":207,"updatedAt":208,"publishedAt":9,"locale":9,"region":210,"countrynameES":211,"countrynameEN":212,"order":128,"countrynameLT":212,"flag":479},{"id":214,"documentId":215,"name":216,"alternativeText":9,"caption":9,"width":200,"height":200,"formats":9,"hash":217,"ext":106,"mime":107,"size":218,"url":219,"previewUrl":9,"provider":110,"provider_metadata":9,"folderPath":255,"createdAt":220,"updatedAt":220,"publishedAt":220,"locale":9,"focalPoint":9},{}]